Monroe County property record for 98462 Windward Ave, Key Largo, FL 33037
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 778 sqft · built 1988 |
| Lot Size | 11.4 acres (500,221 sqft) |
| Owner | Individual Name on File |
| Last Sale | $430,000 (Aug 2022) |
| Tax Bill | $3,711 (2024) |
| Deeds & Mortgages | Aug 2022 Sale Sep 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 00091104-003400 |
| Primary APN | 00091104-003400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 778 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Lot Area | 500,221 sqft |
| Account Number | 8746857 |
|---|---|
| Old Parcel Number | 06623900091104003400 |
| Street Address | 98462 WINDWARD AVE |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-2379 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 9846-2 PHASE C LANDINGS OF LARGO II, A TOWNHOME CONDO OR1048-722/23 OR1305-79/98F/J OR1325-66/67 OR1532-2465 OR1682-1539 |
| Legal Range | 39E |
| Legal Township | 62S |
| Legal Section | 06 |
| Legal Subdivision | LANDINGS LARGO 02 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 970600 |
98462 Windward Ave, a condominium, is owned and occupied by an individual who bought it in August 2022.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 98462 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 2, 2022 | Warranty Deed, Transfer CORAL REEF TITLE COMPANY |
| Sep 30, 2019 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2022 · Amount on File |
| Deed Sale | Aug 2, 2022 · Amount on File |
| Prior Sale | Jun 27, 2017 · Amount on File |
| Deed Document Number | 2385798 |
| Deed Book / Page | 3186 / 2328 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 2, 2022 |
| Property Address | 98462 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Number | 0031862328 |
| Book / Page | 3186 / 2328 |
| Map Reference | MB 1029 PG 884 |
| Instrument Date | Aug 1, 2022 |
| Instrument | 2385798 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Title Company | CORAL REEF TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 98462 WINDWARD AVE, 98462, KEY LARGO, FL 33037-2379 |
| Name | Verified Name |
|---|---|
| Address | 98462 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 98462 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029862284 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 2986/2284 |
| Instrument | 2238497 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Sep 30, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jun 27, 2017 |
| Property Address | 98462 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Number | 0028611289 |
| Book / Page | 2861 / 1289 |
| Map Reference | MB1029 PG884 |
| Instrument Date | Jun 26, 2017 |
| Instrument | 2128786 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ABSOLUTE FIRST TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,545.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 372623, KEY LARGO, FL 33037-7623 |
| Name | Verified Name |
|---|---|
| Address | 98462 WINDWARD AVE, KEY LARGO, FL 33037-2379 |
| Document Number | 0002128787 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 2128787 |
| Name | EAST COAST MORTGAGE LENDERS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
Source: Monroe County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $404,936 Building $404,936 | $404,936 Building $404,936 | |
| 2024 | $3,711.00 (+11.21%) | ||
| 2023 | $3,337.00 (+81.46%) | $362,883 (+63.17%) Building $362,883 | $362,883 (+8.75%) Building $362,883 |
| 2022 | $1,839.00 Homeowner's exemption | $222,389 Building $222,389 | $333,687 Building $333,687 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98462 Windward Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 425 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 957 units insured incl. 532 condo units |
| Nearby Flood Claims | 227 (1982–2022) |
| Claims Outside the SFHA | 13 of 227 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 98462 Windward Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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